by our College Data Analytics TeamHere you will find what students actually borrow to attend Landmark College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
For incoming students at Landmark College, 36% of first-year students take on loan debt, averaging $11,863 per borrower, covering both private and federal loans.
Federal loans alone average $5,385, representing 97.9% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at Landmark College (freshmen included), 27% use federal student loans to help pay for their education, with a mean of $6,305 annually. That amounts to 17.1% higher than the $5,385 typical freshmen borrow.
At a steady annual pace, that totals around $12,610 by year two and around $25,220 after four. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 27% |
| Average federal loan per year | $6,305 |
| Undergraduates with a federal loan | 129 |
| Total federal loans (one year) | $813,401 |
The middle borrower at Landmark College owes $8,875 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $8,875 |
| Students who completed (graduates) | $17,500 |
| Students who withdrew | $6,125 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Landmark College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,250 |
| 25th percentile | $5,500 |
| 75th percentile | $17,500 |
| 90th percentile (highest-debt students) | $25,000 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at Landmark College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Landmark College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 93 | $42,512 |
| Completed (graduates) | 29 | $59,800 |
| Did not complete | 64 | $35,297 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $711.09/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Landmark College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 83 | — |
| No Stafford loan this year | 10 | — |
Repayment burden translates the debt figures into what a borrower actually pays each month. Landmark College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for Landmark College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 4.4% |
| Borrowers in the cohort | 113 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $11,500 |
| Middle income | $8,250 |
| High income | $8,250 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,500 |
| Continuing-generation students | $8,250 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,250 |
| Independent students | $19,000 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Landmark College.
Subsidized vs. Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Did You Know?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.